Comprehensive Policy

IFFCO Tokio Motor Insurance

Claim settlement ratio 92%

NCB* starts at 20%, goes up to 50%

Network garage# 4300+

24*7 Road Side Assistance Yes

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Overview of Iffco Tokio private Car and Bike Comprehensive Policy

Your vehicle is one of your prized possessions. Be it a four-wheeler or a two-wheeler, you want utmost care and protection for the machine to keep it safe and secure. And so, you cannot compromise on the car/bike insurance policy you choose for your vehicle. Though a third-party vehicle insurance is a compulsory plan that every vehicle owner must have, for the highest possible protection, you must choose an Iffco Tokio comprehensive car/bike insurance plan.

USP features of Iffco Tokio private car/bike comprehensive insurance policy

  • With Iffco Tokio comprehensive bike insurance policy, you get coverage against damages caused by natural calamities such as flood, storm, lightning, earthquake, landslide and so on
  • The plan also offers coverage against damages caused by manmade disasters such as burglary, accidental damages, theft etc.
  • The comprehensive plan will give you 24X7 protection on road side support
  • You also get coverage against any damages caused to vehicle accessories both electrical as well as non-electrical
  • The plan allows policyholders to avail the facility of cashless garages in over 4300+ garages that are tirelessly working to offer hassle-free facility to policyholders
  • Further, coverage is also offered on CNG/LPG fuel kit (in case of four-wheeler)

What’s not covered under Iffco Tokio private car/bike comprehensive insurance policy

  • When it comes to exclusions, the plan doesn’t allow coverage on wear and tear and general depreciation of your vehicle
  • Any electrical or mechanical breakdown of the vehicle is also not covered under the plan
  • If your vehicle damage is caused due to the car/bike being driven while the driver/rider is under the influence of drugs, alcohol etc., the plan doesn’t compensate for the same
  • Damages on a vehicle caused due to commercial use of the vehicle or due to racing, speed testing etc., are also not included under the policy
  • Any loss of accessories caused to your vehicle is also not covered under the comprehensive motor insurance policy

Frequently asked questions

Your vehicle insurance premium depends on different things like the engine CC, fuel type, place you bought the policy from, and cost of the vehicle, among others. Another important factor is the mode of purchase that is whether you bought the vehicle insurance via online or offline mode.

Network garages are garages or service stations where the damages caused to your vehicle can be repaired without paying any money from your pocket. So, under cashless claims the insurer makes the payment of the claim directly with the network garage and hence the policyholder can get the repairs done in a cashless mode.

The first and the most important reason why you need a car insurance policy is because the government has made it mandatory for every vehicle owner to have a car insurance policy. Another reason to have a car insurance is to protect your vehicle from any significant damage causing you financial losses.

You can use the official website of the insurer or can claim using their app to make sure that you get compensation in no time. Alternatively, you can get in touch with the insurer after an incident or damage. You will have to fill a claim form and submit it together with the necessary documents to make a claim. (For More Information Refer to Policy Wording)

  • *NCB can be availed as a cumulative bonus and the discount falls approximately between 20% to 50% on own damage premium
  • # Iffco-Tokio offers hassle free claim settlement in 4300+ garages pan India
(For More Information Refer to Policy Wording)